How to Find Demat Account Number from PAN? A Step-by-Step Guide

Before starting to invest, it's crucial to know your Demat account number. You can find this number on your broker's website using your PAN card. To do this, you'll need to fill out an application with the required information. During this process, you must upload several documents, such as your PAN card, proof of address, proof of identity, and other necessary KYC documents.

Once your information is verified, you will receive a 16-digit NSDL holding identification and a Client ID. This article will guide you through the steps to find your Demat account number using your PAN card, making it easier for you to manage your investments.

How to Find Demat Account Number from PAN?

Here are the steps to check all your Demat accounts using your PAN card:

1. Complete the Application: Fill out the application form on your Depository Participant’s (DP) website or app. Make sure all the details you provide are accurate to avoid issues later.
2. Submit KYC Documents: Upload your identity and address proof as part of the KYC (Know Your Customer) process. The DP will verify these documents.
3. Two-Factor Authentication: After verification, confirm your digital details with two-factor authentication. Provide your email ID and phone number for this process.
4. Verify Bank Account: Verify your bank account and set up the Electronic Clearing Service (ECS) payment method for smooth transactions.
5. Receive Welcome Email: Once all the processes are complete, you will get a welcome email at your registered email address. You will also receive encrypted emails containing important account information linked to your PAN card number.
6. Find Your Demat Account Number: Search for emails from the National Securities Depository Limited (NSDL), Central Depository Services Limited (CDSL), or your Depository Participant (DP). These emails will include your PAN card number and your Demat account number.

How Linking Your PAN Card to Your Demat Account Adds Value?

Here’s how linking your PAN card to your Demat account adds value:

1. Unique Identification: Linking your PAN card to your Demat account provides a unique identification, preventing misuse and ensuring that your stocks and bonds are securely verified.
2. Authorized Transactions: The PAN card serves as proof that you are authorized to buy or sell shares from your Demat account. It's also used to verify your signature on Delivery Instruction Slips (DIS).
3. Mandatory Linkage: Without linking your PAN card, your Demat account becomes inactive. This mandatory linkage enhances the security of your account, which holds your shares.
4. Loan Eligibility: Linking your PAN card to your Demat account is necessary if you want to get loans against your shares. Without this linkage, such loans are typically not permitted.
5. Tax Return Authentication: You can use your Demat account to authenticate your tax returns, but only if it’s linked to your PAN card. This linkage simplifies the authentication process.
6. Visa Applications: When applying for visas to the US, UK, or Schengen countries, a Demat account linked to your PAN card can support your application and improve your chances.
7. RBI Bonds: To buy RBI gold bonds or RBI 8% bonds directly into your Demat account, you must provide your PAN card number and Demat account number. Having these linked makes the process smoother.